Personal loans in McIntosh, SD

Read the disclosure for an origination fee and any prepayment penalty before signing in McIntosh. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach McIntosh's 110 residents. A 2020-to-2023 comparison shows McIntosh down by about 2.7%. A larger market lies at Selfridge, ND about 22 miles away.

What the Census records for McIntosh

What follows is McIntosh's place in the Census record, alongside the South Dakota rules that govern a personal loan made here.

• Population: the Census counts 110 residents in McIntosh (Vintage 2023 subcounty estimate), the 218th-largest figure among South Dakota's 309 places.
• Population trend: Roughly 2.7% fewer residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
• Size percentile: about 29% of South Dakota communities are smaller than McIntosh (110 residents).
• Density: the Census land area of 0.7 sq mi holds about 151 people per square mile.
• Land area rank: McIntosh's 0.7 square miles rank 135th of 309 places in South Dakota.
• Water area: McIntosh has 0.04 square miles of water, ranking 27th of 309 places in South Dakota.
• Share of South Dakota: McIntosh holds about 0.0% of the state's population, some 110 people.
• National rank: McIntosh sits 17,964th by population among the 19,457 places in this dataset.
• Growth rank: McIntosh's 2020-to-2023 change ranks 266th of 309 places in South Dakota.
• State comparison: South Dakota's places average +0.9% for 2020-to-2023, against McIntosh's 2.7%.
• Density rank: McIntosh is the 259th most densely settled place in South Dakota.
• Against the state median: McIntosh runs about 151 residents per square mile, where the South Dakota median is 581.
• Location: latitude 45.9210, longitude -101.3486 (Census Gazetteer).
• Nearest larger cities: Selfridge (22 mi); McLaughlin (27 mi); Carson (36 mi); Fort Yates (36 mi); Timber Lake (37 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Morristown (18 mi); Leith (34 mi); Solen (42 mi).
• Smaller neighbours: 3 places smaller than McIntosh sit within 50 miles.
• Larger places within 100 miles: 55.

South Dakota rules behind a McIntosh personal loan

Every row below records a South Dakota rule, its publisher and its retrieval date — the same rules a McIntosh lender must follow.

Before you apply in McIntosh

Before you apply in McIntosh, a community of about 110, work through these steps:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the South Dakota licence with the regulator named above before committing.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Be clear on what the loan is for and how it gets repaid.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is McIntosh-specific: the same South Dakota licensing and disclosure rules reach all 110 residents.

Where McIntosh sits in South Dakota

Among South Dakota's 309 places, McIntosh sits at 218th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, McIntosh stands 266th among South Dakota's 309 places — roughly the 14th percentile. At about 151 people per square mile, McIntosh is the 259th most densely settled place in South Dakota. By land area, its 0.7 square miles rank 135th of 309 places in South Dakota.

Getting a loan in McIntosh

McIntosh is a lightly settled community of about 110 people, with 10 larger places inside a 50-mile radius. Whether McIntosh has a local branch or not, a South Dakota-licensed lender can serve its 110 people online on the same terms. The nearest larger city, Selfridge, ND about 22 miles away.

How a McIntosh personal loan is priced

In McIntosh, a small community of about 110, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a McIntosh lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a McIntosh loan but raises total interest, so the smallest payment is not the cheapest loan.